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Nadeem Shaikh

Publications and source records attributed to Nadeem Shaikh.

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Knowing When to Ask for Help: Bayesian Self-Escalation in Hierarchical LLM Agents

Current LLM agent systems decide delegation before reasoning begins (a router picks a model) or after a response is complete (a verifier scores it and may retry). We study a third regime: an agent that recognises, during its own reasoning, that it is unlikely to succeed and transfers control to a stronger model. We formulate intra-generation delegation as a Bayesian optimal-stopping problem over a learned competence posterior -- an online estimate of the agent's eventual task success whose sufficient statistics are learned from labelled trajectories, not read off raw entropy. We derive the myopic escalation threshold in closed form, characterise the optimal policy via dynamic programming, and prove that the optimal policy is a time-varying threshold with no shape assumption on the raw signal. We further prove exponential separation of the oracle belief at the Chernoff-information rate of the signal, a regret bound governed by the calibration of the posterior, and a finite-sample guarantee: with n labelled calibration trajectories the deployed plug-in policy's regret decays as 1/sqrt(n). A controlled simulation study confirms each prediction of the theory, including the predicted 1/sqrt(n) rate. We additionally report a real-model validation on a Qwen2.5-Coder 1.5B->7B code cascade (MBPP, 257 tasks), confirming two of three pre-registered predictions: the escalation frontier dominates post-hoc routing at equal cost, and the cumulative competence belief's discrimination rises over generation.

cs.LG

FiMI: A Domain-Specific Language Model for Indian Finance Ecosystem

We present FiMI (Finance Model for India), a domain-specialized financial language model developed by National Payments Corporation of India (NPCI) for Indian digital payment systems. We develop two model variants: FiMI Base and FiMI Instruct. FiMI adapts the Mistral Small 24B architecture through a multi-stage training pipeline, beginning with continuous pre-training on 68 Billion tokens of curated financial, multilingual (English, Hindi, Hinglish), and synthetic data. This is followed by instruction fine-tuning and domain-specific supervised fine-tuning focused on multi-turn, tool-driven conversations that model real-world workflows, such as transaction disputes and mandate lifecycle management. Evaluations reveal that FiMI Base achieves a 20\% improvement over the Mistral Small 24B Base model on finance reasoning benchmark, while FiMI Instruct outperforms the Mistral Small 24B Instruct model by 87\% on domain-specific tool-calling. Moreover, FiMI achieves these significant domain gains while maintaining comparable performance to models of similar size on general benchmarks.

cs.AI